If you feel like you aren't saving enough for retirement, you're not alone.
when you're emotionally or physically ready. But it's also not always feasible or advisable to prioritize retirement savings over more pressing goals, like buying a home or having children.
If you're feeling behind, maximizing your contributions to an employer-sponsored 401 — to either the 2023 limit of $22,500, or as much as you can afford — is a great place to start. While over half of respondents currently contribute to a company-sponsored 401, 41% either aren't making contributions or don't have access to an account, the survey found.
"Quite often people are saving for retirement on a tax-deferred basis," she says. "You want to make sure that you're contributing as much as possible on an after-tax basis as well, and have assets in both camps."
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